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Beyond Open Enrollment: Qualifying Life Events

Updated & Written by Emma Lieuwen, AmeriCorps Program Lead 4/25/2017

You may have heard that the Open Enrollment Period for health insurance closed on January 31st. You might be wondering if you can still get health insurance. The answer is yes, but only if you have a Qualifying Life Event before the next Open Enrollment Period. We’re here to break it down for you and help you figure out your next steps.

What counts as a Qualifying Life Event?

Adding a Dependent

  • Marriage
  • Birth
  • Adoption
  • Foster Care
  • Receipt of a court order (including child support)

Loss of Other Health Coverage

  • Expiration of a non-calendar year health insurance policy (even if you have the option to renew)
  • Loss of pregnancy-related Medicaid coverage
  • Beginning or ending service in AmeriCorps, VISTA, or NCCC
  • Loss of Employer Sponsored Insurance (ESI)
  • Loss of Washington Apple Health (Medicaid)
  • Loss of a Qualified Health Plan due to permanent move

Did you know?

You can enroll in a plan up to 60 days before or after the loss of other coverage. But, be sure to wait until the month your other coverage will end so you don’t have a month of overlapping coverage.

Permanent Move

If you move and become a resident of Washington or move to a new county in Washington that results in new plan options.

Did you know?

A permanent move to Washington State is only a qualifying event if you had minimum essential coverage for at least one day within the 60 days before you moved?

Change in Citizenship or Lawful Presence Status

If you become a citizen, national, or lawfully present individual, you may qualify for a Special Enrollment Period.

Did you know?

Those with tribal membership (American Indian or Alaska Native), may enroll in a QHP or change from one QHP to another once a month (and access other benefits)!

Release from Jail/Prison

If you have at least one individual on an application that changes status from incarcerated to no longer incarcerated you may be able to open a Special Enrollment Period to sign up for coverage.

Special Enrollment Periods Only Available to Existing Customers

If you already have an account on WAHealthPlanFinder and are enrolled in a plan you can report the following events to open up a Special Enrollment Period to change your plan. You cannot get a Special Enrollment Period with the following events if you are a first time applicant.

Losing a Dependent or Dependent Status

Including:

  • Death
  • Divorce
  • Legal Separation

Filed or Reconciled Taxes

If you received tax credits in the previous year, you must have correctly filed a tax return even if you do not usually have to file taxes. If you do not file a tax return and reconcile the tax credit you received, you will lose the opportunity to receive a tax credit until the IRS has confirmed that you have filed your federal taxes.

Change in Income

If your income changes, you could lose or gain eligibility for (or change the amount of) health insurance premium tax credits (help paying your monthly premium).

If any of these happen, be sure to report the changes on Washington Healthplanfinder. You can find more information about Qualifying Life Events here.

Did you know?

If your income is below a certain amount, you may qualify for Washington Apple Health. If this is the case, you don’t have to wait for an Open Enrollment Period– you can sign up any time!

Don’t know where to start or what you qualify for? Give the Family Health Hotline a call at (800) 322-2588!

Tags: Family Health Hotline   health insurance   Health insurance enrollment   qualifying life event   Special Enrollment Period   Washington Apple Health   Washington HealthPlanFinder   Washington state   

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